UOB Business Loan

The UOB Business Loan helps SMEs looking to expand, automate, or upgrade by providing working capital to sustain their daily operations.

Collaterals refer to assets such as property or cash deposits that is pledged by the lender as a form of repayment security.

UOB Business Loan is an unsecured loan, so you do not have to pledge any collaterals to apply. Please note that a personal guarantee may be required.

The various loan options are available to the following companies:

• Sole Proprietor, Partnership, or Private Limited Company
• Registered and operating in Singapore for a minimum of 1 year
• At least 30% local shareholding
• Company's group annual sales of not more than S$100 million OR company's group employment size of not more than 200^*

*Annual sales turnover and employment size will be computed on a group basis (i.e. All levels up for corporate shareholders holding > 50% of total shareholding of the applicant company and any subsequent corporate parents, and subsidiaries all levels down).

Apply online via Myinfo business and we'll get in touch within 1 business day¹.

¹For enquiries that reach UOB within the Stipulated Timing, we will contact you by the next Business Day with an indicative loan amount that you may apply for. “Business Day” is defined as Mondays to Fridays (Singapore date and time, and excluding Singapore and bank public holidays). “Stipulated Timing” is defined as 8am to 8pm from Mondays to Saturdays (Singapore date and time, and excluding Singapore and bank public holidays). For enquiries that reach UOB at times other than the Stipulated Timing, we will contact you within two Business Days after UOB receives your enquiries, with an indicative loan amount that you may apply for. 

²Annual sales turnover and employment size will be computed on a group basis (i.e. All levels up for corporate shareholders holding > 50% of total shareholding of the applicant company and any subsequent corporate parents, and subsidiaries all levels down).

UOB Business Bundled Loan consist of UOB Business Loan and SME Working Capital Loan and you may apply for any of them. The respective terms and conditions governing BizMoney and SME Working Capital Loan are contained in the application form and other offer documents, including the facility letter.

~Information is accurate as of 15 October 2022

#Personal guarantees may be required.

^For enquiries that reach UOB within the Stipulated Timing, we will contact you by the next Business Day with an indicative loan amount that you may apply for. “Business Day” is defined as Mondays to Fridays (Singapore date and time, and excluding Singapore and bank public holidays). “Stipulated Timing” is defined as 8am to 8pm from Mondays to Saturdays (Singapore date and time, and excluding Singapore and bank public holidays). For enquiries that reach UOB at times other than the Stipulated Timing, we will contact you within two Business Days after UOB receives your enquiries, with an indicative loan amount that you may apply for. Full product terms and conditions apply. The quote of the indicative loan amount is based on the information provided by the customer and does not constitute an offer, an invitation to offer, a solicitation or recommendation to enter into or conclude any transaction, and the quote of the indicative loan amount is not a contractual agreement by UOB to provide the UOB business loan or any other products/ services to the customer. Accordingly, the actual approval of the UOB business loan application is subject to the submission of the required full and complete documentation as UOB may so require at its discretion and UOB's credit assessment. UOB has the absolute right and discretion to decide, for whatever reason and without prior notice and without being liable to any person, whether to approve the customer's application for the UOB business loan and whether (i) to grant (or not to grant) the customer the amount of the UOB business loan requested for in the customer's application form; or (ii) to grant the customer a lower amount from the amount of the indicative loan amount quoted or from the amount of the UOB business loan requested for in the customer's application form. Visit uob.com.sg/businessloan for more information.